WO2013155313A2 - Système électronique destiné à l'évaluation et son processus électronique - Google Patents

Système électronique destiné à l'évaluation et son processus électronique Download PDF

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Publication number
WO2013155313A2
WO2013155313A2 PCT/US2013/036187 US2013036187W WO2013155313A2 WO 2013155313 A2 WO2013155313 A2 WO 2013155313A2 US 2013036187 W US2013036187 W US 2013036187W WO 2013155313 A2 WO2013155313 A2 WO 2013155313A2
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WO
WIPO (PCT)
Prior art keywords
product
performing processing
pile
processing associated
user input
Prior art date
Application number
PCT/US2013/036187
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English (en)
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WO2013155313A3 (fr
Inventor
Steven Paul Leger
Original Assignee
Purosystems, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by Purosystems, Inc. filed Critical Purosystems, Inc.
Publication of WO2013155313A2 publication Critical patent/WO2013155313A2/fr
Publication of WO2013155313A3 publication Critical patent/WO2013155313A3/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G06Q30/0206—Price or cost determination based on market factors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • FIGURE 1 illustrates a system for valuating a floor covering, according to an embodiment.
  • FIGURE 2 illustrates a view of a custom gauge that may be used to measure stitch rates and pile heights in various queries, according to an embodiment.
  • FIGURE 3 illustrates a view of the reference folders 55 which may contain samples of the texture types and backings that may be referenced in the query process, according to an embodiment.
  • FIGURES 4A-4B illustrate an example of the contents of the master query product database, according to an embodiment.
  • FIGURES 5-15 are method flowcharts illustrating numerous logic elements that may be encountered within system, according to an embodiment.
  • FIGURE 16 illustrates an example of a master query match database, according to an embodiment.
  • FIGURE 1 illustrates a system 100 for valuating a floor covering, according to an embodiment.
  • System 100 may help determine a Like Kind Quality (LKQ) to identify or describe a product that is similar in appearance, quality and value to a product being replaced after suffering damage, loss, or decay.
  • LKQ Like Kind Quality
  • the acronym "LKQ" may be used to describe a product or material that is similar in appearance, quality and value to that which is being replaced after suffering damage or total loss.
  • LKQ may be a determinant of value to help ensure the policyholder will receive appropriate mdemnity for that which they lost.
  • LKQ may help an insurance policyholder, claimant, or other entity receive appropriate compensation.
  • a replacement material price (e.g., reflective of the policyholder's local market) may be calculated.
  • System 100 may comprise: an identification (ID) and valuation server 10, an Internet domain 40, a report recipient 60, a client computer 5 (e.g. handheld personal digital assistant (PDA) 45, laptop 50, other computer device), or reference folders 55, or any combination thereof.
  • the ID and valuation server 10 may calculate valuations for floor coverings using a network operating system.
  • the ID and valuation server 10 may comprise: Internet communications 15, a network operating system 20, and ID and valuation system logic engine 25, a face weight and/or retail pricing calculation engine 30, a master query product database 35, or a retail referral database 37, or any combination thereof.
  • the network operating system 20 may control the various interactions of the automated environment 100, comprising: screen displays, data exchanges, task management, Internet connectivity management, or general control of the applications present in system 100, or any combination thereof.
  • the ID and valuation system logic engine 25 may: provide the screen interface to the user, perform the various computations programmed in system 100, control the defined logic query steps (e.g., determine what to ask the user in queries #1-#11 set forth below), interface the appropriate face weight calculation, or interface with the retail pricing calculation database, or any combination thereof.
  • the face weight and retail pricing calculation engine 30 may house the static data elements associated with the automated process of calculating the face weight of the products itemized in the master query product database 35, and/or the data elements associated with the automated process of matching the appropriate unit retail pricing with the result of the query process involving the master query product database (e.g., determine what happens logically once the user enters answers in the queries #1-#11 set forth below).
  • the master query product database 35 may contain an array of data elements 16.
  • the database may comprise more than 41,000 unique flooring types comprising known possible construction characteristic variations.
  • the retail referral database 37 may comprise information (e.g., names, locations, contact information, or marketing image, or any combination thereof) of retailers who have agreed to participate as possible suppliers as may be needed by the owner of the damaged products being evaluated..
  • the client computer 5 may be capable of Internet-based functionality to present the queries, capture the responses and interact with the ID and Valuation server 10.
  • the result of the process may be sent as an electronic file to a chosen recipient 60 via an Internet-based computer.
  • the reference folders 55 may house samples of actual carpet swatches representing many different types of manufacturing families (e.g., floor covering samples, carpet backings).
  • FIGURE 2 illustrates a view of a custom gauge that may be used to measure stitch rates and pile heights in various queries.
  • the gauge may be marked in nine one-inch sections with markers indicating from four to 12 tufts per one inch section.
  • the user may be trained to use the gauge by placing the gauge along a row of tufts of the damaged carpet and moving the gauge horizontally until the tufts of the carpet align with the appropriate spaces between the markers.
  • the gauge may also be marked with a vertical series of labels exactly 1/10 of an inch apart from .1 inch to 3.0 inches.
  • This ruler of the gauge may be used to measure the short and long pile heights of the damaged carpet by placing the gauge at the backing of the carpet and visually assessing the height of the fiber against the ruler.
  • FIGURE 3 illustrates a view of the reference folders 55 which may contain samples of the texture types and backings that may be referenced in the query process.
  • FIGURES 5-15 are method flowcharts illustrating numerous logic elements that may be encountered within system 100.
  • the user may log onto a secured web site with a password and then may key basic information about a policy holder, insurance company, claim number, location, etc. This may be done at the loss site or the user may cut a piece of the damaged carpet and perform the evaluation in another place (e.g., back at his office, in his car with a mobile Internet device (e.g., WIFI laptop, PDA).
  • the user may perform a visual inspection of the damaged floor covering and proceed to answer a series of questions about the damaged product for identification purposes.
  • the questions may refer to the following manufacturing characteristics:
  • FIGURE 5 illustrates an example where the user is instructed to choose the type of floor covering. In this example, two choices are given: carpet or hard surface. In other embodiments, other choices may be provided.
  • FIGURE 6 illustrates an example where the user is instructed to choose the form.
  • broadloom may refer to a "wall to wall” covering; modular may refer to a covering provided in units (e.g., tiles). In other embodiment, other choices may be provided.
  • FIGURE 7 illustrates an example where the user is instructed to choose the construction type. In this example, two choices are given: tufted or woven. In other embodiments, other choices may be provided. Tufting may refer to a carpet
  • a woven carpet sometimes made of wool or olefin, may refer to a carpet manufactured using a weaving process of continuous fiber. The result may be a carpet which may be constructed on a loom by interlacing the carpet warp and filling threads.
  • the reference folders 55 may contain photographic samples of the most common types of carpet backing materials used in the manufacture of residential and commercial carpeting. By sight and touch, the user may match the backing and select the ID number displayed. In some embodiments, the system logic may not let the user make invalid choices. For example, woven products are only manufactured on specific backings. Therefore, if woven is chosen in #3, only those backings that are specific to woven products may be displayed as possible selections.
  • FIGURE 8 illustrates an example where the user is instructed to choose the backing type. In this example, five choices are given: synthetic, covered synthetic, high-end synthetic, covered high-end synthetic, or jute.
  • Synthetic may indicate a backing that is made of laced LATEXTM and may be designed to accept tufts of synthetic fiber in a tufting process.
  • Covered Synthetic may indicate a synthetic backing that is covered with a thin layer of cotton fiber used to protect walls during the installation process.
  • High-end Synthetic may describe a backing that is made of laced LATEXTM and has a tighter weave of material to support greater fiber face weights.
  • Covered High-End Synthetic may be a high-end synthetic back with a cotton covering.
  • FIGURE 9 illustrates an example where the user is instructed to choose the pile
  • Cut pile may indicate that the yarn is cut at the top of the pile during the manufacturing process resulting in a flat appearance.
  • Loop pile may indicate that the yarn is looped through the backing. Cut & Loop pile may be a manufacturing process that cuts some of the yarn while leaving others looped. This may result in a patterned appearance.
  • #6 Texture (E.g., may be matched and selected from the reference folders 55). The user may identify the texture of the product. System 100 may display choices from which the user may select the appropriate selection after making a visual inspection.
  • FIGURE 10 illustrates an example where the user is instructed to choose the texture.
  • 10 choices are given: Saxony, Saxony plush, shag, pile graphic, textured Saxony, twist-frieze cable, , cut pile-twist, commercial Saxony, or twist frieze.
  • Saxony may refer to a cut pile product of average stitch rate density and pile height.
  • Saxony Plush may refer to a cut pile product with a dense stitch rate and tall pile height.
  • Shag may refer to a cut pile product with long fiber tufts (e.g., up to 3 inches) sometimes not dense or vertical in appearance.
  • Pile graphic may refer to a cut pile product of average to low pile height and high stitch density, and may include a dyed pattern of tufts in a graphical design.
  • Textured Saxony may refer to a cut pile Saxony product with slight variations in the ends of the vertical tufts creating a textured appearance.
  • Twist-frieze cable may refer to a cut pile product with tufts of average to longer length and equal girth interlaced with a random sequence of much heavier girth tufts. The tufts in this category may be highly twisted and provide a "wormy" appearance. Cut pile twist may be similar to twist frieze cable, but this cut pile product may have equal length tufts (e.g., average to short) and possess a twisted appearance.
  • Twist frieze may refer to a cut pile product with tufts of average to longer length and equal girth. The tufts in this category may be highly twisted and provide a "wormy" ⁇ appearance.
  • the system logic may only display those choices that are sensible (e.g., only those textures that are specific to the chosen pile configuration). For example, if the user chooses a cut pile configuration, system 100 may only display the following textures as a possible selection:
  • the system logic may require a number of pile measurements in order to match the damaged flooring to the database used in as a basis of valuation.
  • the user may be instructed to count the number of stitches in one inch across the width of the carpet.
  • a ruler e.g., as shown in FIGURE 2
  • FIGURE 11 illustrates an example where the user is instructed to choose the stitches per inch for the width. In this example, three choices are given: seven, eight or nine. In other embodiments, other choices may be provided.
  • System 100 may only display the possible stitch counts that are consistent with the manufacturing process associated with the chosen pile configuration and texture.
  • #8 Stitches Per inch - Length. Similar to the previous step, the user may be instructed to count the number of stitches in one inch perpendicular to the count taken in #7.
  • the system logic may require a number of pile measurements in order to match the damaged flooring to the database used as a basis of valuation. The user may be instructed to count the number of stitches in one inch across the width of the carpet.
  • a ruler e.g., as shown in FIGURE 2 may be supplied to help the user identify the stitch count.
  • FIGURE 12 illustrates an example where the user is instructed to choose the stitches per inch for the length. In this example, three choices are given: seven, eight or nine. In other embodiments, other choices may be provided.
  • System 100 may only display the possible stitch counts that are consistent with the manufacturing process associated with the chosen pile configuration and texture.
  • FIGURE 13 illustrates an example where the user is instructed to choose the shortest pile height. In this example, three choices are given: .3, .4, or .5. In other embodiments, other choices may be provided.
  • System 100 may only display the possible pile heights that are consistent with the manufacturing process associated with the chosen pile configuration and texture.
  • FIGURE 14 illustrates an example where the user is instructed to choose the longest pile height. In this example, three choices are given: .3, .4, or .5. In other embodiments, other choices may be provided.
  • System 100 may only display the possible longest pile heights that are consistent with the manufacturing process associated with the chosen pile configuration and texture.
  • FIGURE 15 illustrates an example where the user is instructed to choose the tuft bulk.
  • three choices are given: thin, base, or thick. In other embodiments, other choices may be provided.
  • Thin may be chosen if the fiber appears thinner than that in the folder.
  • Base may be chosen if the fiber is about the same as that in the folder.
  • Thick may be chosen if the fiber appears thicker than that in the folder.
  • the master query product database 35 may comprise thousands of unique line items (e.g., approximately 41,000). Each line item may be a set of data elements that correspond to the questions asked through the system 100. For example, in the realm of carpet manufacturing, it may be assumed that a Saxony product may be manufactured in a variety of pile tuft densities, pile heights and tuft weight or bulk. As such, it is feasible that an extremely low weight/density product may match the following:
  • the carpet may equate to the lowest pile density and weight of any possible Tufted Saxony product.
  • a product matching these characteristics may be at the lowest possible retail price point.
  • a Tufted Saxony product with maximum density of stitch rates, pile heights and tuft bulk may logically be at the highest possible retail price point. Between these two extremes there are hundreds of possible configurations of a Saxony style product.
  • the master query product database 35 may comprise a series of tables containing virtually all possible configurations of the characteristics.
  • FIGURE 16 illustrates an example of a master query product database 35.
  • the first line may describe a very sparse (light weight) density Saxony product that is absolutely unique in the database.
  • the described product's FORM is "Broadloom”; the CONSTRUCTION is “Tufted”; the BACKING is “Synthetic”; the PILE CONFIGURATION is "Cut”; the TEXTURE is
  • the master query product database 35 may also show that the needle gauge for a product would be "5/32" inches. It may also denote that the tufts per square inch is "49". This may be calculated by multiplying the two stitch rate values. The next column may be a calculated tufts per square yard; "63504". This may be calculated by multiplying the Tufts/SqYd by 1296 (number of square inches in a square yard). The next column may show the estimated face weight of the product.
  • this calculation may be processed offline (e.g., outside of the query system's primary automated process of matching the 11 query answers to the master database and finding a match to all elements) through another database with the sole purpose of calculating an estimated face weight by multiplying the Tufts/SqYd by a weight value equal to a single tuft of fiber unique to this carpet type. In other embodiments, this calculation may be processed within system 100.
  • the weight value of the single tuft may be calculated by taking a known carpet product and mathematically deducing the single tuft weight by applying the following formula:
  • One inch Stitch Rate (Width) x One inch Stitch Rate (Length) Tufts/Sqln
  • Tufts/SqYd / Known Face Weight (All fiber) x .80 Single Tuft Weight.
  • the next column may denote the suggested retail value of a square yard of the product. This may be calculated by multiplying the Tufts/SqYd by a price value equal to a single tuft of fiber unique to this carpet type. Combined, all 14 data elements denoted in each line may describe a unique product in terms of Form, Construction, Backing, Pile
  • FIGURES 4A-4B illustrate an example of the contents of the master query product database 35.
  • the master query product database 35 There may be more than 41,000 unique product possibilities in the master query product database 35 comprising: FORMs, CONSTRUCTIONS, BACKINGS, PILE
  • system 100 may calculate an "average pile height" to be matched as one of the characteristics in the master query product database 37. For example, if the user of the system enters ".3" as the measurement for the query relating to "Pile Height - Short” and enters ".5" as the
  • the system 100 may calculate the average pile height of the product to be ".4".
  • the type of fiber the pile yarn is manufactured from may play an important part in the overall value calculation. 95+% of all carpet is made of either Nylon, Olefin or Polyester. Since it is virtually impossible to identify the fiber type in the field, system 100 may use manufachiring data to help identify the probability of the fiber type. For example, tufted cut- Saxony carpets may be made of Nylon 87.4% of the time - the remainder being Polyester. As such, the pricing logic may include this fact when displaying the suggested retail price. Conversely, wool, the most expensive fiber, may only represent 2% of all carpets
  • system 100 may notify the user when it determines that the damaged carpet may be wool. In such cases, the user may be advised to send a sample in to a qualified laboratory for a detailed evaluation.
  • advertising may be provided to the owner of the damaged product related to the damaged product.
  • the information about the matching product found through the assessment carried out above may be utilized in deterrnining which advertising would be most effective.

Abstract

La présente invention a trait à un système et à un processus informatisés, qui comprennent les étapes consistant à stocker des caractéristiques de produits possibles dans une base de données électronique, à accepter une entrée d'utilisateur qui est liée aux caractéristiques d'un produit, à mettre en correspondance l'entrée d'utilisateur qui est liée aux caractéristiques d'un produit et qui a été acceptée avec la base de données électronique des caractéristiques de produits possibles afin de rechercher un produit correspondant ; et à déterminer, à l'aide du moteur de calcul de fixation des prix au détail, une évaluation du produit correspondant.
PCT/US2013/036187 2012-04-12 2013-04-11 Système électronique destiné à l'évaluation et son processus électronique WO2013155313A2 (fr)

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US201261623438P 2012-04-12 2012-04-12
US61/623,438 2012-04-12

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US9582832B1 (en) 2015-09-01 2017-02-28 State Farm Mutual Automobile Insurance Company Method for field identification of roofing materials

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US20140025433A1 (en) 2014-01-23

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